RVs

Rvs

RVs are homes with a moving view. RVs are perfect for trips to the beach, visiting family, and just reconnecting with America. RVs are used year-round for day trips to museums, amusement parks and shopping excursions, visits to family and friends, and attending festivals or events. RVs are great for tailgating parties before the "big game" or for attending outdoor sporting events such as auto races. RVs are used by most people as an escape from work, carrying their drivers to vacations and relaxation. RVs are riding the wave of high-tech innovation, now often equiped with Wi-Fi Internet access, satellite TV and radio and GPS navigation. RVs are a comfortable, convenient, stress-free way to travel, enjoy the great outdoors, and spend quality time with family. RVs are usually parked in specially designated and equipped campgrounds called RV parks where utility hookups are provided. RVs are specialized vehicles with unique insurance needs. RVs are treated much differently than passenger cars or SUVs for insurance purposes. Two main categories of RVs are motorhomes (motorized) and towables (towed behind the family car, van or pickup). Types of towable RVs are folding camping trailers, truck campers, conventional travel trailers and fifth-wheel travel trailers. Prices for new RVs are typically $4,000-$13,000 for folding camping trailers; $4,000-$26,000 for truck campers; $8,000-$65,000 for conventional travel trailers; $48,000-$140,000 for type C motorhomes and $58,000-$400,000 for type A motorhomes. Additionally, since many RVs are driven by people who aren't accustomed to the extra size and length, insurers believe there is a greater risk for accidents.

Recreational Vehicles

Insurers familiar with RVs are most likely to provide the best coverage and service with the lowest premium costs. Most class A RVs are outfitted with queens sized beds with high-end mattresses that would only be expected in lush homes. Class B RVs are really just regular consumer family vans that have been outfitted with a small stove and/or sink and a pair of sleeping bunks. Class C RVs are in between the other two in size and features, with some only slightly larger than vans, others almost the size of a large bus. Motorized RVs are able to move on their own, they can be driven. These RVs are called trailers or campers. Class B RVs are small and also very easy to drive. The same people who own RVs are likely to have rec rooms in their houses. Class A RVs are more bus like in appearance, size, and engine. Class B RVs are more narrow than Class A or Class C as they utilize a normal van chassis. The types of additional campers that are commonly referred to as RVs are:fifth wheel trailerstruck camperstravel trailersconversion vanspop-up (or folding) tent trailers. Driving the popularity of RVs are baby boomers – the typical RVer is 54 – who want to enjoy the freedom of the open road without sacrificing the creature comforts of home. While RVs are increasingly popular with young families, baby boomers are expected to lead RV purchases as more hit retirement age over the next decade. RV travel is more affordable than most other vacationsThe overall affordability of RV travel is another reason that RVs have become so popular, and not all RVs are expensive to purchase. "Today's RVs are already loaded with state-of-the-art amenities and comforts designed to further enhance RV travel for families. The most popular electronic gadgets found on RVs are flat-screen TVs, satellite dishes, video game systems, cellular phones, laptops and PCs, and surround-sound CD and DVD players with individual headphones, according to RVIA surveys.